If you want to load the card, you need to sell for another coin. If you want to spend at a BCH merchant, your either Shit-Out-Of-Luck or need to again, use another coin.
I'm sick and fucking tired of this shit happening every year and the community collectively telling users to wait or get bent.
Commerce doesn't stop because some cunt wants to impose a tax for themselves and fuck over the network for a few days to try it out.
I think you have bigger problems than just this hard fork :)
